Over the past few years, a drastic change has occurred in the nature of financial services for the rural poor in India. Andhra Pradesh is one of the leading Indian state in terms of SHG and MFI growth, with the largest number MFIs based in the state. This rapid growth has caused intense competition amongst MFIs competing for both clients and staffs. Clients with multiple-borrowings from various sources are in some cases over-indebted. Many microfinance commercial organisations have entered the Rural Credit Market in search of profit and are competing to lend to the poor. In the process of...